The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$88,307
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,054
−HK$2,790/mo
Today · 4.125%
HK$93,844
baseline
▲ 0.50% · 4.625%
HK$99,555
+HK$5,711/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$187,688/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,240
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,875
−HK$2,673/mo
Today · 4.125%
HK$103,548
baseline
▲ 0.50% · 4.625%
HK$109,006
+HK$5,458/mo
Deposit HK$19.36M · loan HK$19.36M · min. income ≈ HK$207,096/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,968
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,264
−HK$3,349/mo
Today · 4.125%
HK$112,613
baseline
▲ 0.50% · 4.625%
HK$119,466
+HK$6,853/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$225,226/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,889
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,050
−HK$3,208/mo
Today · 4.125%
HK$124,258
baseline
▲ 0.50% · 4.625%
HK$130,807
+HK$6,549/mo
Deposit HK$15.49M · loan HK$23.24M · min. income ≈ HK$248,516/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,630
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,475
−HK$3,907/mo
Today · 4.125%
HK$131,382
baseline
▲ 0.50% · 4.625%
HK$139,376
+HK$7,994/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$262,764/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,537
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,225
−HK$3,742/mo
Today · 4.125%
HK$144,967
baseline
▲ 0.50% · 4.625%
HK$152,609
+HK$7,642/mo
Deposit HK$11.62M · loan HK$27.11M · min. income ≈ HK$289,934/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,952
−HK$9,968/mo
▼ 0.25% · 3.875%
HK$163,897
−HK$5,023/mo
Today · 4.125%
HK$168,920
baseline
▲ 0.50% · 4.625%
HK$179,198
+HK$10,278/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$337,840/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,833
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$181,575
−HK$4,811/mo
Today · 4.125%
HK$186,386
baseline
▲ 0.50% · 4.625%
HK$196,211
+HK$9,825/mo
Deposit HK$3.87M · loan HK$34.85M · min. income ≈ HK$372,772/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,645,885 · Scale 2, in force from 26 Feb 2026)